Many moons ago I was an employee of Fleet Bank. Memorial Day weekend laptop computers were stolen and my personal information was compromised including a bank credit card that I frequently used for business travel. The card was canceled, the bank provided a letter stating the account was closed and all charges were fraud and a new account was issued.
When Bank of America bought Fleet, they never attempted to collect the bad debt, but they did "drop" the fraud code and add the derogatory trade line to my credit history. Bank of America sent a letetr stating they instructed the CRA's to delete, but the CRA's refused.
I get a call a few days ago from the bank advising someone had tried to use this old closed account to charge a $2.95 fee out of Cypress (a known hotbed for illegal banking activity and laundering for terrorism) then a second charge for $12.95 from the same "company" on the old account.
Now here's where the complaint comes in. This was an error when the fraud code dropped off showing why the defaulted account was charged off. When we addressed the issue in the made an effort to repair my credit but not the account itself. THEY PROVIDED THESE CRIMINALS MY NEW AND VALID ACCOUNT NUMBERS asking that future charges be made to them.
Thankfully, the bank found the error and did not allow the $499.95 charge to go through, cancel the card and initiate a new number.
So I run fraud alerts on all the credit reports, make the police report, and see that someone who claims to be affiliated with Bank of America solicited my credit report for a credit determination in March and an account was opened in June defaulting in August.
Part of the fault for the fraudulent opening is an credit reporting agency issue because they refused to put fraud alerts on the account for 7 years as I requested having already been victimized, but here we are this third party, Client Services, mysteriously involved with Bank of America.
Client Services has no phone number so I call Bank of America and they have no idea who these people are, how they got my information and they have no record of any new lines of credit being established.
It is suspect that all of this second round of fraud is surrounding Bank of America and their lack of security.
0 comments